Yeah, it can totally feel random, but there’s actually a formula most companies use. Usually, if repair costs plus salvage value hit a certain percent...

Honestly, I get where you’re coming from, but in MN, permissive use usually covers most situations unless it’s super frequent. I’ve seen claims go thr...

Paper copies in the glove box have saved me more times than I care to admit—especially when you’re standing at the counter and realize your phone’s de...

I’ve seen officers accept digital proof here, but I’d be careful relying only on a screenshot. Technically, South Dakota law does allow electronic pro...

Comprehensive coverage is definitely worth it, especially if you're in an area prone to storms or unpredictable weather. One thing I'd suggest is doub...

I've dealt with something similar myself. When I first moved to Fairbanks, my insurer didn't mention seasonal discounts upfront. But once I brought it...

You're spot on about smaller agents sometimes having more flexibility. From my experience handling claims, I've noticed that smaller, regional insurer...

Couldn't agree more with this advice. If you're labeled "high-risk," specialty insurers can definitely help you save some cash, but they often come wi...

That's great you're getting comfortable with it—insurance can definitely feel like a maze at first. When I started out, I overlooked discounts too unt...

You're spot on about clarifying charges upfront—I've seen plenty of confusion around this. One thing I'd add is that PIP coverage can vary significant...

Totally get what you're saying about eco mode feeling sluggish at times. One thing I've noticed is that some EVs let you tweak settings individually—l...

True, insurance can get messy, but honestly, delays often come down to how quickly the involved parties respond. If everyone's prompt with documents a...